# Infotel Finance business loans > Infotel Finance is on Recur Club's lender panel, writing distributor financing, purchase invoice discounting, secured term loan and 2 other products. Observed tickets run ₹20 lakh to ₹2 cr, priced between 14% and 22%. Median turnaround from application to disbursal is about 9 days. Source: https://www.recurclub.com/lenders/infotel-finance Last updated: 2026-09-29 ## Products and indicative terms Observed on live transactions. Not an offer or a quote. | Product | Ticket | Rate | Tenure | |---|---|---|---| | Purchase Invoice Discounting | ₹2 cr | 15.5–16% | 12 mo | | Unsecured Business Loan | ₹0.2–2 cr | 14–22% | 12–24 mo | Also offered, with no terms observed yet: Distributor Financing, Secured Term Loan, Vendor Financing. ## Eligibility ### Will not fund - Indemnity under the AICA and Sourcing Agreements will not be provided by Infotel; indemnity must be provided by the Service Provider only - Will not provide indemnity under both agreements; per legal advice, indemnity is to be provided by the Service Provider only, not by both parties - "In view of the early-stage default and the negligible repayment made against the loan, any request for settlement is strictly not acceptable and stands rejected." - Case deemed not feasible post detailed discussion with promoter, given existing leverage adequacy, debtor ageing stress, and inconsistent back-ended sales pattern - Not proceeding with the remaining 20L for now, as previously discussed - Company has indicated via email that they will not move further with the deal. - Lender is not doing the EV sector. ### Prefers - Any change in pricing should require mutual confirmation, not be solely at the service provider's discretion - Will consider structured debt only once the Gurgaon property sale becomes clearer and some business improvement is seen - Lender will consider structured debt only once the Gurgaon property sale becomes clearer and some business improvement is seen - Lender pushing for a better (higher) rate before confirming terms - Requires both promoters to be co-applicants on the loan - …more in playbook - Banking data incomplete per AICA — HDFC a/c closed Mar'26 and ICICI a/c closed Aug'26; statements for these closed accounts still being arranged - Borrower (Infotel) disclosed it was unable to book ≈₹45 lacs of net income due to a technical reason, requiring further discussion/reconciliation with the lender - Can consider Sales Invoice discounting of Rs.10-15cr (limit within 7 days) at rates similar to trade credit - 17 days past due reported in May'24 on Export Bill Discounting of Rs 15.74 crore (POS Rs 2.94 crore) flagged as underwriting concern - Bank statement balances do not tally/match across the provided statements — flagged as a separate discrepancy to resolve - Borrower's earlier submitted projections were flagged as being on the very higher side, requiring a fresh self-certified projection/provisional statement - Beneficial ownership declaration must include shareholders holding significant stakes (guarantor added at 16.80% shareholding) - Borrower's active debt pipeline includes IDFC Bank (≈₹25 Cr, tentative cost 10%-10.5%) and ICICI Bank (≈₹10-20 Cr, tentative cost ≈10.5%) - Diligence team requested bank statements be shared as PDFs rather than Excel files - Litigation diligence: most cases inactive; 28 cases relate to a single Nashik workmen issue decided in the company's favour, flagged as nothing material or concerning - SDA defined as 'service deficiency/service guarantee fee' in the draft — GST characterisation to be checked with advisors - Capital withdrawal of Rs.56.90 Cr in FY24-25 flagged; lender wants timeline for reintroduction of withdrawn capital - Lender wants end-use details of additional funds (LAP, Business Loans, purchase invoice discounting totalling Rs 6.83cr since Jan 26), flagging fund diversion/end-use concern - Loans/advances extended to related parties in FY25-26 flagged; lender requires confirmation of recovery or a reintroduction timeline - Lender flags related-party/group concern entities (, Jind Modern Industrial Estate Pvt Ltd, Multifold Constructions and Developers Pvt Ltd) and asks if they are operational with sales/debt/capital details - Penal charges levied in BOB account (0336) flagged during review - Submitted debt profiler covers only secured lending and omits WC/other supply chain limits, while MCA shows total open charges of Rs.64.80cr, requiring reconciliation ### Screening gates and observed behaviour - Borrower: CIBIL ≥650 · maximum companyage: 25 · age ≥1y · avoid: Banking, Explosives, Arms and Ammunitions, Financial Services, Gambling and Betting, Insurance, Lottery Business, Others · Delhi, Maharashtra, Gujarat, Haryana, Uttar Pradesh · sector-agnostic (52 sectors — full list in data JSON) · Private Limited, Sole proprietorship, Limited Liability Partner - Financials: maximum annualrevenuegrowthrate: 100 · rev ≥₹25cr · TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1 - Deal: tenure 12–24mo (range across products — see matrix) · no PEP - Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) - Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×3), FD margin 5–10% (×2), 2nd charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1) - Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×32), FD margin 10–15% (×15), FD margin 15–20% (×5), FD margin 5–10% (×5) - share → in-principle approval (initial interest): ≈12d - in-principle approval → sanction (underwriting): ≈0d - sanction → disburse (closing): ≈1d ## Sanctioned terms (from 14 real sanction letters) ### Sanctioned amount: median ₹3 cr (₹1 cr–₹5 cr) - median ₹3 cr (₹1 cr–₹5 cr) ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### What does Infotel Finance lend? Infotel Finance writes distributor financing, purchase invoice discounting, secured term loan, unsecured business loan, vendor financing. Across those, observed facilities run ₹20 lakh to ₹2 cr. ### What ticket size does Infotel Finance offer? Facilities observed on live transactions run from ₹20 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for. ### What rate does Infotel Finance charge? Rates observed on live transactions fall between 14% and 22% a year. Tenures run 12 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file. ### How long does Infotel Finance take to disburse? About 9 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it. ### What are Infotel Finance's eligibility criteria? The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Infotel Finance's current policy.